WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE. <ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> QUARTER <FISCAL-YEAR-END> SEP-30-2000 <PERIOD-START> OCT-01-1999 <PERIOD-END> JUN-30-2000 <CASH> 2,612 <INT-BEARING-DEPOSITS> 22,164 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 158,977 <INVESTMENTS-CARRYING> 13,396 <INVESTMENTS-MARKET> 12,760 <LOANS> 233,018 <ALLOWANCE> 1,927 <TOTAL-ASSETS> 465,244 <DEPOSITS> 275,964 <SHORT-TERM> 65,000 <LIABILITIES-OTHER> 8,736 <LONG-TERM> 74,660 <PREFERRED-MANDATORY> 6,531 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 18,153 <TOTAL-LIABILITIES-AND-EQUITY> 465,244 <INTEREST-LOAN> 4,795 <INTEREST-INVEST> 3,061 <INTEREST-OTHER> 161 <INTEREST-TOTAL> 8,017 <INTEREST-DEPOSIT> 2,896 <INTEREST-EXPENSE> 4,954 <INTEREST-INCOME-NET> 3,063 <LOAN-LOSSES> 105 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,614 <INCOME-PRETAX> 1,120 <INCOME-PRE-EXTRAORDINARY> 1,120 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 859 <EPS-BASIC> 0.42 <EPS-DILUTED> 0.41 <YIELD-ACTUAL> 7.58 <LOANS-NON> 1,683 <LOANS-PAST> 342 <LOANS-TROUBLED> 2 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,949 <CHARGE-OFFS> 127 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 1,927 <ALLOWANCE-DOMESTIC> 1,304 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 623